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CF Bankshares Inc. (CFBK) vs Rhinebeck Bancorp, Inc. (RBKB)

CF Bankshares Inc. and Rhinebeck Bancorp, Inc. are both Banks Regional companies. CF Bankshares Inc. and Rhinebeck Bancorp, Inc. are of similar size ($217.9M and $200.9M). CF Bankshares Inc. trades at the lower P/E: 11.5× against 17.9×. Rhinebeck Bancorp, Inc. grew revenue faster over the last twelve months: 34.3% against −0.37%. CF Bankshares Inc. has the higher net margin (14.8% vs 13.0%) and the higher return on invested capital (25.6% vs 0.00%). Across the 18 metrics below, Rhinebeck Bancorp, Inc. leads on 10 and CF Bankshares Inc. on 8.

Valuation

Metric CFBK RBKB Banks Regional median
P/E 11.50 17.86 11.98
P/S 1.70 1.83 2.34
P/B 1.09 1.00 1.19
Price to free cash flow 11.88 10.43 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 8.70% 5.60% 8.23%
Free cash flow yield 8.42% 9.58% 9.08%

Profitability

Metric CFBK RBKB Banks Regional median
Gross margin 50.12% 70.48% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 14.75% 12.99% 18.66%
Free cash flow margin 14.30% 17.56% 21.11%
Return on equity 9.92% 7.35% 10.65%
Return on assets 0.86% 0.72% 1.13%
Return on invested capital 25.60% 0.00% 8.35%

Growth

Metric CFBK RBKB Banks Regional median
Revenue growth (TTM) (0.37%) 34.27% 6.98%
EPS growth (last fiscal year) 30.58% 215.01% 18.88%
Revenue growth, 5-year CAGR 4.23% 7.55% 12.38%
Net income growth, 5-year CAGR (9.06%) 11.17% 9.71%

Health

Metric CFBK RBKB Banks Regional median
Debt to equity 0.59 0.07 0.22
Current ratio 1.14 0.94 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric CFBK RBKB Banks Regional median
Dividend yield 1.07% — 2.57%
Payout ratio 0.12 — 0.30

Size

Metric CFBK RBKB Banks Regional median
Market cap 217.88m 200.92m 913.33m

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